About Legal & Medical Investments

Who We Are + Why Choose Us?

Our advisers throughout the Midlands, South of England, Wales and Scotland know and understand your profession. Whether you’re a GP, hospital doctor, locum, surgeon, consultant or dentist, we can help you reach your lifestyle goals and secure your long-term financial future.

Why Us?

6 reasons why doctors & dentists choose us as their IFA

1

Fully qualified, specialist financial advisers

All our financial advisers have the required qualifications and specialist expertise to provide impartial financial planning and wealth management solutions specifically to medical and dental professionals.

2

In-depth knowledge of the NHS system, its benefits and the NHS Pension Scheme

We know your profession; we speak your language; we understand your ever changing professional circumstances and the financial obstacles you face throughout your life and career.

3

Unbiased, whole of market advice

We have no ties to any one provider and just one underlying goal…ensuring you always have the right investment portfolio, protection cover, mortgage and retirement plan, at the right price, at the right time.

4

Passionately believe in trust and transparency

We listen to you, we care about you and act in your best interests; we’re friendly, trustworthy, plain talking people like you, who you can confidently rely on to help you put your financial affairs in order, look after your financial portfolio for you and plan for your future.

5

An adviser 'for life'

You don’t have to change your financial adviser if you move town or your circumstances change. We believe in building a long term relationship with you; we don’t believe in causing upheaval, making you get to know and trust your financial future to someone else unnecessarily.

6

3 ways to pay

You can choose how you pay us; either a fee agreed with you at the start of our discussions and paid up front, by commission (not applicable for investment related planning) or, by a combination of fee and commission. No charges will be made until we have agreed with you the payment option of your choice.

How We Can Help You

Our experienced Independent Financial Advisers (IFAs) specialise in providing a full range of financial advice and investment planning services to doctors and dentists throughout the UK.

NHS Pension & Retirement Planning

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Investments & Savings

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Tax Planning

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Mortgage Advice

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Personal & Professional Protection

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Will Writing

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NHS Pension & Retirement Planning

Whilst the NHS Pension Scheme certainly forms the backbone of our clients’ retirement plans, supplementary planning may be required in many cases which also has huge tax advantages. With our in-depth knowledge and wealth of experience of the NHS Pension Scheme, personal pensions and SIPPs, we can help you determine the best course of action to secure your financial future in retirement.

Investments & Savings

With an investment and savings portfolio specific to your unique needs and your profession as a medic, you and your family can live the lifestyle you want to lead now and generate a tax efficient wealth in the future.

Tax Planning

Tax planning is a vital component of wealth management. With effective basic, advanced and inheritance tax planning, you can minimise the amount of tax you have to pay and maximise the tax allowances available to you.

Mortgage Advice

Our Independent Financial Advisers (IFAs) are able to research the whole of the mortgage market. That not only means our mortgage advice is impartial, it also means that we’re aware of lenders who look favourably on the medical profession.

Personal & Professional Protection

If you have dependents or staff who rely on you, life assurance, critical illness, income protection, locum insurance and practice insurance are all insurance cover options you need to consider having.

Will Writing

If you die without leaving a valid Will, your estate passes under the laws of intestacy – the results of which you might not expect or intend. Efficient tax planning opportunities such as inheritance tax planning and the use of trusts will also be lost.

BOOK A FREE NO OBLIGATION INITIAL HEALTH CHECK OF YOUR FINANCES

If you are a medic or dentist seeking financial planning, investment advice or wealth management guidance, contact us for a 1-HOUR FREE, no obligation consultation either in person or over the phone.

Our internal complaints handling procedures for the reasonable and prompt handling of complaints is available upon request from Max Spurgeon. You can make a complaint directly to us or you can follow the Online Dispute Resolution procedure. If you cannot settle your complaint with us directly, you may be entitled to refer your complaint to the Financial Ombudsman Service

The Financial Conduct Authority does not regulate offshore investments, tax advice, estate planning and some forms of mortgages. The tax reliefs referred to throughout this website are those currently applying in the United Kingdom to UK Tax Residents. These tax reliefs are liable to change. The value of any tax relief available will depend upon the individual circumstances of the taxpayer. Your home may be repossessed if you do not keep up repayments on your mortgage.

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